Credit Officer

About Afghanistan International Bank

Job Summary

To generate and manage a portfolio of SME credit facilities according to the volume projections established by AIB ensuring timely and complete repayment in strict adherence to the SME Credit Manual at any time of the entire process. To build long-term relationship with Credit clients and to utilize these relationships for the growth of the bank alongside the growth of the clients.

Duties & Responsibilities

Tasks and Responsibilities:
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Collect and analyze information about sectors, markets, potential and existing clients
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Independent credit analysis encompassing financial analysis, collateral analysis, management assessment and assessment of credit enhancement.
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Analyze and structure credit requests from 25,000. - USD to 250,000. - USD for existing and new clients.
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Collect financial information and to make it accessible by building financial statements which are then to be analysed.
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Market the financial services of the bank (SME loans and cross-selling) – to potential as well as to existing clients.
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Communicate the terms and conditions to the target market clients.
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Discuss, analyze and decide on loan requests.
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Carry out loan appraisal by collecting the relevant information.
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Carry out credit analysis; decide on whether to recommend for sanctioning or to reject a credit request.
16 September 2010 2 Afghanistan International Bank
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Prepare the documentation for and send recommendation to the Credit committee.
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Carry out the underwriting process.
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Disburse and control the disbursement process (pre-and post-disbursement conditions)
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Ensure timely repayments on credit facilities.
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Monitor repayment and business development.
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Carry out problem-loan management in case of delinquencies ( in terms of repayment and in terms of other obligations as stipulated in the loan agreement)
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Carry out recovery procedures in case of defaulting clients.
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To work under the strict guidance and work ethics mentioned in AIB’s staff Handbook.

Job Requirements

University degree in business, finance or related field
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Preferably at least one year of credit experience.
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Familiarity with a range of commercial bank products and operations.
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Strong Computer skills (Excel, Word etc.)
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Must be willing to travel within the provinces across Afghanistan.
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Excellent written and oral communication skills in English, Pashto and Dari.
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Preference will be given to candidates settled in Jalalabad.

Submission Guideline

How to apply:
The application consists of a one-page cover letter explaining your interest and suitable for the post and send it along with up-to-date CV before closing date, Interested National candidates should submit their applications to below address.
Jalalabad Branch Office:
Behsoob Bridge Street, Khorma Bagh
Jalalabad City
Nangarhar, Afghanistan
Contact: +93 0700 600 321 (Sunday to Thursday – 08:30am to 05:00pm)
(Saturdays 8:30am to 2:00pm) Only
Only short-listed candidates whose applications respond to the above criteria will be contacted for test and interview.
Afghanistan International Bank (AIB) is an Equal Opportunity Employer

Functional Area

Human Resources

Countries

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